Medicare Supplement Insurance Plans

Fill in the gaps Medicare leaves behind.

There can be gaps in coverage that leave you paying out of pocket if you’re enrolled in Original Medicare, Part A and Part B. 

We fill in those gaps to keep your finances protected and care accessible.

Medicare Supplement Insurance Plans for Idaho, Montana, and Wyoming.

When can I enroll?

You may enroll during your Medigap Open Enrollment Period.

The best time to buy a Medicare Supplement (Medigap) policy is during your 6-month Medigap Open Enrollment Period. This period automatically starts the month you’re 65 and enrolled in Medicare Part B.

Policies for peace of mind.

Perks of a Medicare Supplement Insurance Policy

Medicare Supplement Insurance Plans help you avoid coverage gaps.

Manage your budget while staying covered.

A supplemental policy helps you avoid unexpected medical expenses by covering gaps left by Medicare. 

Choose your plan.

Select the level of coverage that best suits your budget and needs.

View a list of agents who can help you purchase a plan or call us to connect you: 855-447-2900

Frequently Asked Questions

Medicare is the federal health insurance program for people who are 65 or older, certain people under 65 with disabilities, people with end-stage renal disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD).  

A Medicare Supplement Insurance Plan (also known as a Medigap policy) is an insurance policy that helps supplement Original Medicare and is sold by private companies. A Medigap policy can help pay some of the remaining health care costs that Original Medicare doesn’t pay for covered services and supplies, like copayments, coinsurance, and deductibles. Original Medicare pays for much, but not all, of the cost for covered health care services and supplies. These are “gaps” in Medicare coverage.

Mountain Health CO-OP offers Medicare Supplement Insurance Plans A, F, G, and N in Montana, Idaho, and Wyoming.  These plans vary in what they cover, so it is important to consider your current health needs and weigh them against plans available before choosing and purchasing one. 

A supplemental policy helps you manage and budget your health care expenses while giving you the freedom to choose your providers (who must accept Medicare) and a plan that best meets your needs. These policies help give you peace of mind.

When you turn 65 and are covered by Medicare Part B, you become eligible for Medicare Supplement Insurance Plans.

The best time to buy a Medicare Supplement (Medigap) policy is during your 6-month Medigap Open Enrollment Period. This period automatically starts the month you turn 65 and are enrolled in Medicare Part B.  You can also consider changing your Medicare Supplement Insurance Plan when the Medicare Open Enrollment period begins, which is usually in October.  

When you consider which Medicare Supplement Insurance Plan to purchase, it is important to take into account…

  • what Medicare does and does not cover,
  • what plan will work for your budget,
  • if you have specific health conditions or needs that may be better provided for under specific plans,
  • and if your doctor(s) accept Medicare and Medicare Supplement Insurance Plans. 

If you have questions, our sales team can answer them.  Please call 855-447-2900 to speak to our team about Medicare Supplement Insurance Plans today.  

MHC52021MS

EXCLUSIONS

  • Loss incurred while your policy is not in force, except as provided in the Extension of Benefits section of your policy;
  • Hospital or Skilled Nursing Facility confinement incurred during a Medicare Part A Benefit Period that begins while this policy is not in force;
  • That portion of any Loss incurred which is paid for by Medicare;
  • Services for non-Medicare Eligible Expenses, including, but not limited to, routine exams, take-home drugs and eye refractions;
  • Services for which a charge is not normally made in the absence of insurance; or
  • Loss that is payable under any other Medicare supplement insurance policy or certificate.

Underwritten by Montana Health Cooperative, dba Mountain Health Cooperative.

This is a solicitation of insurance and an insurance agent may contact you by telephone.

This brochure is intended to provide a brief description of policy forms [MHCMSA20ID, MHCMSF20ID, MHCMSG20ID, MHCMSN20ID, MHC2020MTA, MHC2020MTF, MHC2020MTG, MHC2020MTN, MHCMSA20WY, MHCMSF20WY, MHCMSG20WY, & MHCMSN20WY]. Not all plans are available in all states. Policy provisions and benefits may vary from state to state. These policies have exclusions, limitations, reduction of benefits, please see the Outline of Coverage for complete details.

Neither Montana Health Cooperative nor our Medicare Supplement policies are connected with or endorsed by the United States Government or the Federal Medicare program.